Rhode Island Workers’ Compensation Benefits
Understand the Types of Benefits Available to You!
In Rhode Island, workers’ compensation insurance is state-mandated and designed to provide benefits for employees suffering from a work-related injury or illness. If you were injured at work or developed an occupational illness, the team at Sands Law Offices will help you obtain these essential benefits, so you can comfortably recover from your injuries during this difficult time.
Workers’ compensation insurance covers all medical costs related to an employee’s workplace injury or illness. For example, if you need a medical procedure or the assistance of a medical professional, such as a surgeon, workers’ compensation will cover the costs.
Additionally, workers’ compensation might also cover the costs of:
- Chiropractic services
- Laboratory and pathology
- Casting and strapping
In addition to medical benefits, workers’ compensation might also cover rehabilitative services, including, vocational treatment, to restore the employee as near as possible to his or her health before the injury.
Other rehabilitation services covered by workers’ compensation might include:
- Occupational therapy
- Hospital nursing services
- Physical therapy
- Psychological services and medication
Additionally, if your workplace injury resulted in permanent disfigurement, you can receive benefits for up to 500 weeks. Disfigurement benefits are based on an injured worker’s salary before the injury.
Workers’ compensation benefits will cover a portion of your lost income during your period of recovery. For example, if you worked in a restaurant and accidentally spilled boiling water on your arm, resulting in two weeks of missed work, workers’ compensation insurance will replace some of your lost wages.
In some cases, an injured workers’ condition is so severe that he or she can no longer work or no longer return to the same job. An injured worker’s disability benefits are calculated based on his or her pay at the time of the injury and whether or not the employee has dependent children or a non-working spouse.
Disability benefits are usually divided into the following categories:
- Permanent partial disability (PPD): Benefits are subject to a minimum and a maximum and can continue for up to 312 weeks.
- Permanent total disability (PTD): Benefits are capped, but will continue for the duration of the worker’s disability.
- Temporary total disability (TTD): Much like PTD benefits, TTD benefits are also capped, but will last for the duration of the worker’s disability.
If an employee dies as a result of his or her workplace injury or illness, a surviving spouse or children might be eligible for death benefits based on the worker’s weekly salary and the annual cost of living adjustment (COLA). If the surviving spouse remarries, these benefits would cease. However, the decedent’s dependent children may still receive death benefits.
Speak to an Experienced Rhode Island Workers’ Compensation Attorney!
If you were injured on-the-job or developed an occupational illness, you need to hire an experienced workers’ compensation attorney as soon as possible to represent your case. At Sands Law Offices in Rhode Island, our workers’ compensation team will fight on your behalf to ensure you receive the benefits you deserve.
Contact us today at (401) 297-2816 to schedule a free consultation.